Financial Planning Consultant DipPFS in Swansea
I am a dedicated Financial Planning Consultant with a BSc in Mathematics, and Diploma in regulated Financial Planning, ensuring a strong analytical foundation for the personalised financial strategies I provide. With a deep commitment to placing my clients' needs at the core of my practice, I specialise in wealth management, retirement planning, investments, and financial protection, helping individuals and businesses achieve their financial goals with precision and care.
In the UK, there’s an estimated £26.6bn1 in lost or forgotten pensions. That means the average UK worker is missing as much as £28k2 from their retirement money. But there’s good news - this kind of financial hit is completely avoidable.
This one might seem obvious, but it’s easy to lose track of your pension pots, where they are, and what they’re doing. If you make a note of your pension providers, and check your pot(s) regularly, you’re far less likely to lose one of them over time.
Your investment allocation is where and how you’re investing your pension. Often, people will just use their pension provider’s default setting. But this might not actually be right for your retirement goals and risk profile. So, it’s a good idea to revisit this every few years.
If you’ve had a windfall recently, like a pay rise, bonus, or inheritance, putting a portion of it into your pension is a good idea. Not only is it tax-efficient, but you’ll be glad when your retirement comes around.
As an adviser, my role is to help you get all of this done simply, with all the facts and information you need. That might be helping you review your risk profile, consolidating old pension pots, or making a plan to help you retire early.
If that sounds good to you, please get in touch.
The value of pensions and the income they produce can fall as well as rise. You may get back less than you invested. Tax Planning is not regulated by the Financial Conduct Authority. Tax treatment varies according to individual circumstances and is subject to change.
2 Source: https://www.hrmagazine.co.uk/content/news/average-uk-worker-has-28-000-in-unclaimed-pensions
Home contents insurance, buildings insurance.
Establishing and reviewing trusts, complete personal risk management planning, short- and long-term savings and investments.
Permanent health insurance to provide a regular income should you be unable to work due to illness or injury.
First time buyers, remortgages, buy-to-let.
Wealth management advice to make your money work as hard as it can for you, including making the most of any tax breaks available.
Expert advice to help provide comfort in your retirement.
Whole of life and term assurance protection, private medical arrangements, critical illness insurance.
Felindre
Swansea
Wales
United Kingdom
Rhys works with clients both locally and across the UK, whether that be in person or remotely, with meetings held via ‘Teams’ or ‘Zoom’.
Outside of my professional work, I lead an active lifestyle as a passionate triathlete, constantly pushing my limits and embracing challenges both in my career and personal life. As a proud Welsh speaker, I stay deeply connected to my heritage and take great pride in my cultural roots. I also channel my love for Wales into breeding Welsh ponies, combining my affinity for tradition with my dedication to excellence.
Driven by a desire to empower others, I am committed to providing comprehensive financial guidance that not only meets but exceeds expectations. Whether it’s through my professional consulting or personal passions, I am always focused on achieving the best possible outcomes.
The Financial Conduct Authority does not regulate some employee benefits, tax planning, inheritance tax planning, estate planning, succession planning, trusts or some buy-to-let mortgages.
The guidance and/or information contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.
Registered Office: Quilter Financial Advisers, Senator House, 85 Queen Victoria Street, London, EC4V 4AB. Tel: 0207 562 5856. Registered in England and Wales. Registered number: 05693185. Lighthouse Financial Advice Limited, Senator House, 85 Queen Victoria Street, London, EC4V 4AB. Tel: 0207 562 5856. Registered in England and Wales. Registered number: 04795080.
Quilter Financial Planning Network only: This financial promotion was approved by Quilter Wealth Ltd, Quilter Financial Services Ltd, Quilter Mortgage Planning Ltd, Quilter Financial Ltd, Quilter Financial Planning Solutions Ltd & Lighthouse Advisory Services Limited on 01 August 2022.
